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Personal Savings

Awesome features with every account.

Mobile Banking

No Check or Deposit Fees

Find the account that's right for you.

At First Heritage Federal Credit Union we realize that everyone’s financial needs are different, which is why we offer a variety of personal savings accounts to meet those needs. Choose from our most basic account, an account that benefits from the cash rewards you earn with our Kasasa checking account, our specific vacation and holiday accounts, and even a savings account designed for kids! It’s never too early to get into the habit of saving.

All our savings account options offer convenient benefits while earning you interest. Whether you’re saving for your next vacation, home repairs, or your child’s college education you’ll be able to find a plan that works for you.

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	PRIME SHARE	KASASA® SAVER	MONEY MANAGER	SHARE CERTIFICATE	VACATION CLUB	HOLIDAY CLUB	KIRBY KANGAROO CLUB	CU SUCCEED SAVINGS
Minimum Deposit to Open	$5	$0	$0	$1,000	$0	$0	$0	$0
Minimum Daily Balance	$100	$0	N/A	N/A	N/A	N/A	N/A	N/A
Minimum Average Daily Balance to Earn Interest	$100	$5	$2,500	$1,000*	$5	$5	$5	$5
Dividends Earned/Dividends Credited	Daily/Monthly	Daily/Monthly	Daily/Monthly	Daily/Monthly	Daily/Monthly	Daily/Monthly	Daily/Monthly	Daily/Monthly
Dividend Rate	View All Rates	View All Rates	View All Rates**	View All Rates	View All Rates	View All Rates	View All Rates	View All Rates
Age	Any	Any	Any	Any*	Any	Any	0-12	13-18
NCUA Insured	$250,000	$250,000	$250,000	$250,000	$250,000	$250,000	$250,000	$250,000
	Learn More	Learn More	Learn More	Learn More	Learn More	Learn More	Learn More	Learn More

Why open a credit union savings account?

First Heritage Federal Credit Union is a local organization, and we pride ourselves in the customer service, benefits, and competitive interest rates we offer our members. Joining is easy! If you live, work, worship or attend school in the three county community we serve, you’re eligible! This area is comprised of: The Steuben and Chemung counties of New York, and Tioga County of Pennsylvania, which includes Mansfield PA and Wellsboro PA.

Start your membership with a Share Savings account. By doing so, you become a First Heritage Owner as well as a member, and you’ll be able to enjoy all the benefits offered only to First Heritage members. You can use this savings account for any type of savings, whether you want to save for something short-term or you want to use it as your main account. Once you become a member, you can explore our other savings account options. We see our members as individuals—not numbers—and we know that everyone has a different financial story.

Apply for membership quickly and easily with our online application!

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*Special CU Succeed certificates are available for members 18 or under. Minimum balance to open $100

**Rate is based on account balance

Build savings automatically while earning high dividends.

Free Kasasa Saver® is a simple way to save. It links to your free Kasasa Cash® or Kasasa Cash Back® checking to build your savings effortlessly every month.

When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Plus, Kasasa Saver pays up to .75% APY* on your balance! That’s Kasasa at First Heritage FCU — free accounts that reward you for keeping your money local.

Benefits

Free account that builds your savings effortlessly
Links to free Kasasa Cash or Kasasa Cash Back checking
Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
.75% APY* on balances up to $50,000
.20% APY* on balances over $50,000 depending on balance in account*
.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
No monthly maintenance fee
No minimum balance to earn rewards
Free online banking and bill pay
Free Visa® debit card
Free e-statements
Free mobile banking**
No minimum deposit to open

Here’s how easy it is to earn your rewards:

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

At least 1 direct deposit or ACH or transaction or bill payment
At least 12 debit card purchases
Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.

APY = Annual Percentage Yield. Rate may change after the account is opened. Fees may reduce earnings on the account.

SCHEDULE AN APPOINTMENT

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.50%; and and balances over $10,000 earn .20% interest rate on the portion of balance over $10,000, resulting in a range from .20% to 2.50% APY* depending on the account's balance. Kasasa Cash Back: 4% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY of .75% and balances over $50,000 earn .20% interest rate on the portion of balance over $50,000, resulting in a range from .20% to .75% APY depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you are qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in Kasasa Cash account earn .05% APY*; all balances in Kasasa Saver account earn .05% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less that the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 07/01/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open a Kasasa account. Monthly Direct Deposit/ACH transaction/Bill Pay, 12 debit card purchase transactions, receipt of electronic statements are a condition of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our credit union representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Your savings grow faster with our money manager account because you earn a higher dividend rate for a higher balance.

Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.

Maximize your earning by locking in your rate and term. We have several terms available. (6,12,18,24,36,48,60).

Transaction Limitations: Early withdrawals will result in penalty.

There are a few times every year when you’ll probably need extra cash. A Vacation Club is the perfect way to help you save for those occasions. Make deposits when you have extra cash or set up your account for automatic deposits.

Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.

A Holiday Club is the perfect way to set aside extra cash all year for holiday expenses. Make deposits when you have extra cash or set up your account for automatic deposits.

Transaction Limitations: No Withdrawals. Balance transferred to the prime share on Oct 1st.

Start your children off right by developing good savings habits. The Kirby Kangaroo Club is a savings program designed especially for kids up to 12 years of age. With Kirby Kangaroo, kids can learn about saving and other important financial topics through stories, games and entertaining activities. Best of all, the club is fun, FREE and your child earns Kirby prizes as they learn to save.

Every time a deposit is made, your child will receive one or more Kirby Kangaroo Credits. They can save up their Kirby Kangaroo Credits and exchange them for Kirby Kangaroo prizes at any office.

Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.

SPECIAL SHARE CERTIFICATES

Special Share Certificates with a $100 minimum deposit are also available. Kirby members earn a rate .25% higher than our regular Share Certificate. A variety of terms (6, 12, 18, 24, 36, 48, 60) are available and additional deposits of $25 or more may be made at any time. (There is a penalty for early withdrawal of funds.)

KIRBY KANGAROO WEBSITE

Your child also gains access to the Kirby Kangaroo Website. The Club website features stories, games, coloring pages and jokes to entertain and educate.

We offer special events throughout the year such as our Kirby Kangaroo Skating Party.

When your child turns 13, their account automatically rolls over into our teen-oriented CU Succeed program.

This program teaches teens good saving habits and financial responsibility through education and hands-on experience with a wide variety of cost-effective financial services.

Get started with these great offerings:

When you open your primary share account, you become an owner and member of the credit union and will be able to enjoy all of the benefits offered exclusively to First Heritage members.

Our primary share savings account may be used for practically any purpose. You can use it to save for something short-term or as your main savings account.

Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.